Home Insurance in Danville, Kansas
With a median home value of $71,000, Danville is 15% lower than the Harper County median.
The typical home in Danville was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 87% of homes were built before 1960, about 29 points above Harper County's 58%.
Housing in Danville breaks down to 100% single-family homes.
Almost no owner-occupied homes in Danville carry a mortgage.
Danville has an owner-occupancy rate of 76% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Danville, 100% of homes are primarily heated with natural gas.
Harper County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Harper County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kansas is $1,733 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $71,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harper County | 15 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)